Underwriting themes

Eligibility & documentation

Sky evaluates capacity, credit, collateral, and capital—the same pillars you would see at top-tier retail banks—with additional depth for global income, entity borrowing, and cross-collateral structures common among private clients.

Begin application
Mortgage eligibility factors
Preparing documents early shortens underwriting cycles.

Common verification items

Income

W-2, bonus, self-employed

YTD pay stubs, two years of tax returns, and CPA-prepared P&L when applicable.

Assets

Sourcing & seasoning

Two months of statements; large deposits need gift letters or sale documentation.

Credit

History & obligations

Minimum payments on revolving debt, housing history, and public record searches.

Avoid mortgage mistakes
Avoid co-mingling business and personal deposits before underwriting review.

Behavioral pitfalls

  • Opening new credit lines before closing can change debt ratios.
  • Job changes without documentation can pause approval.
  • Undisclosed properties with mortgages must be reported.